What is normally excluded on a boat insurance policy?

I'm planning on getting boat insurance, but I want to make sure I have the right coverage. What is typically excluded on a policy?

“The exclusions on your boat insurance policy will depend on the type of policy you have and the company you’re with.
That said, there are many common exclusions, such as:
  • Wear and tear
  • General maintenance costs
  • Gradual deterioration
  • Mold
  • Insects
  • Marine life
If you have coverage under your homeowners insurance, liability insurance will be excluded unless you have a watercraft liability endorsement on your policy. This endorsement extends liability coverage to your boat as long as it is a covered watercraft.
If you have a separate boat insurance policy through an insurance company, you’ll need to look over your policy terms and conditions to see what is specifically excluded in your policy.
However, like car insurance, every company offers different policies and coverages. To determine what the best company is for you, you’ll need to comparison shop. You can request quotes from a variety of companies to see what rates and coverages are available.
If you have a car or home insurance policy, you can also reach out to your company to find out if they offer boat insurance. You may see some extra savings by bundling your policies.
If you want to get the best deal on bundling your boat insurance with your car insurance, try using the Jerry app. We’ll get you instant customized quotes from multiple providers so that you can choose the policy with the best coverage for you. We’ll do all the comparison shopping for you so that you can focus your energy on getting your new boat out on the water!”
Emily Maracle
Answered on Sep 01, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.

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